PLEASE, PLEASE, IF YOU ARE THREATENED FROM A CALLER REGARDING A DEBT AND THEY SAY THE POLICE ARE COMING TO GET YOU, GET OFF THE PHONE AND CALL THE POLICE AND REPORT IT. IT HAPPENED TO ME, AND THEY DIDN'T SAY THEY WERE CALLING FROM ELLIS CROSBY. I FOUND OUT WHEN I SENT THE MONEY BECAUSE I WAS SCARED THAT I WAS GOING TO JAIL. I LATER CALLED THE POLICE AND THEY SAID IF SOMEONE CALLS AND SAYS THAT TO YOU, HANG UP AND REPORT IT TO THE POLICE IMMEDIATELY. THIS IS JUST A TACTIC (AND NOT LEGAL). IF YOU'RE GOING TO BE ARRESTED, THE POLICE TOLD ME, THEY WILL SHOW UP AT YOUR DOOR WITHOUT WARNING.

Hello, I had a open heart surgery in 2003. I was covered under my fathers insurance until I turned 19 in April of 2004. Most of my medical bills were paid by the insurance, but there is a balance of about $2700 left from recent check-ups. I've been making monthly payments of $50 to the hospital since April of 2005; the $50 is my own judgement they wanted a much higher payment that I could'nt afford. Thats when I finally got a job. Now today I recieve a notice in the mail that part of my bill has been turned over to "Omnium WorldWide, INC" for collections.

can you do debt consolidation after you have filed bankrupcy

I recently enlisted the help of a debt consolidation company online and want to know if it is a reputable company. The ph.# listed on the websit is the # I called :(800) 452-3135 and I was told it is out of Calif. but the company they do business with is out of Florida, and it is called Consumer debt solutions, Inc. Can you verify this for me?

You so called "lawyers" threatening me that I am going to be picked up by the police for fraud and arrested in a couple hours. Unless I pay the money they want. They never once said they were a debt considation member, nor offered a payment plan. It was stated pay within 24 hours or go to jail and be arrested in 3 hours from the phone call. You business tactics are disgusting, and probably illegal, as your "lawyers" or members are making up lies about being arrested!!!!! Get your people straighted out on what the law says. I called the police on you and your members lying tactics.

Special Announcement: Ellis Crosby and Associates are not following fdcpa so if you are getting phone calls from their agents, please handle with care. Signup for free counseling and handle all problems associated with Ellis Crosby and Associates smoothly. I received a phone call this morning from a "layer" telling me that I was going to picked up a 2:00pm and arrested for fraud on my e-pay loan. He would not hear what I had to say.

I took out a student loan around 1986 for around $1,600. Since then I've had almost $5,000 garnished from my wages and today received a phonecall that I still owe almost $6,000 that I must pay in 2 days or else they're going to begin garnishing my wages again. How can it be so much? Is this legal?

Looking back, I am, what I call, a "Married-Single" mom. Although married, I had the full responsibility of raising four boys. Towards the latter part of my marriage, I was fortunate enough to become a Medical Transcriber and work from home. This allowed me to earn my own money to get the boys some of the basic things they needed, as well as be there for them as they grew up. My husband came into my home office one day and totally blew me away. He said, "I think we made a mistake," meaning HE had made a mistake and it had taken him 20 years to realize it!

I don't have a lot of debt, only around $3500 or so. But it is scattered among several creditors. Is consoldation still advisable?

Both my mother and I are having the same problem. She has the same bill collector call her almost everyday at all hours about a 15 year debt for a student loan when she did not sign or agree to pay them back anything. I now have the UPS sending me letters for a package that was already paid for by the sender over 5 months ago. They first sent me a bill for $87, not for $53. I never signed anything and the delivery women never mentioned any outstanding bill.